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Mosaic Adviser
Financial insight that earns its place in your inbox.
Original analysis on family office, accounting, payroll, personal finance and the financial news that moves markets — written by the specialists behind Mosaic Financial Solutions.
Topics
Five lenses on your money.
Each topic is curated by the Mosaic specialists who work in it every day.
Family Office
Structuring, estate planning, fiduciary and inter‑generational wealth.
Accounting
Financial statements, compliance and the numbers behind the business.
Payroll
Employee tax, statutory submissions and getting payroll right.
Personal Finance
Tax, retirement, risk and making the most of what you earn.
Financial News
Markets, the economy and the regulation that shapes your money.
Fresh thinking, published as it happens.
The most recent articles, pulled live from the Mosaic Adviser editorial system.
Financial News
European Central Bank announces monetary policy decisions
The European Central Bank announced decisions on monetary policy affecting interest rates and related measures. The announcement details the bank's stance and any adjustments to policy instruments to achieve price stability across the euro area.
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Financial News
Kumba signs 20-year on-site solar offtake with Envusa to power Sishen mine
Kumba Iron Ore, via subsidiary Sishen Iron Ore Company Proprietary Limited, has entered a 20-year Energy Offtake Agreement with Envusa Energy Proprietary Limited for a 72.5 megawatt-peak solar photovoltaic plant supplying 63 megawatts alternating current to the Sishen mine. The project is expected to begin supplying el
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Financial News
Kumba’s first-half output dips as Transnet shutdown and cost inflation bite
Kumba Iron Ore Limited reported total production of 17.7 million tonnes for the six months ended 30 June 2026, down 3% year on year, and sales of 18.6 million tonnes, down 1%. Company cited a Transnet logistics maintenance shutdown, higher input costs and rand strength versus the US dollar. Average realised export iron
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Financial News
June inflation jumps to 5.0% as fuel costs surge, the highest pace since June 2024
Statistics South Africa reports annual consumer inflation rose to 5.0% in June 2026 from 4.5% in May 2026, with month-on-month prices up 0.7%. Transport led increases, driven by higher fuel prices (diesel +50.8%, petrol +31.7% year on year). Food and non-alcoholic beverages inflation eased to 1.6%. Rents rose 4.1% annu
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Financial News
Mr Price’s Q1 sales jump 45.3% to R13.1bn, lifted by NKD deal; Africa up 3.2% with margin gains
For the 13 weeks to 27 June 2026 Mr Price Group Limited reported group retail sales up 45.3% to R13.1 billion, aided by the acquisition of NKD (Pegasus Group Holding GmbH). Excluding NKD, African retail sales rose 3.2% to R9.3 billion, with African gross margin up 40 basis points. NKD Europe sales were R3.8 billion. Th
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Financial News
UBS Group discloses 5.15% holding in Sibanye‑Stillwater, triggering TRP notice
Sibanye‑Stillwater has received formal notification that UBS Group AG now holds 5.15% of the company’s issued ordinary shares. The company will file the required notice with the Takeover Regulation Panel and the board accepts responsibility for the announcement.
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Financial News
FSCA flags four online investment sites as unauthorised in South Africa
The Financial Sector Conduct Authority (FSCA) warns the public that Lumia Bit AI, Instant ePrex XP South Africa, Lunexa Vault and Luaranivotheq are not authorised to provide financial services in South Africa. The FSCA advises consumers to avoid investing with these platforms and to report suspicious activity to the re
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Financial News
South Africa targets 2028 for sweeping labour law overhaul on disputes, bargaining and enforcement
The Department of Employment and Labour says proposed amendments to the Labour Relations Act and other employment laws are on track for promulgation in 2028. Changes aim to update dispute resolution, collective bargaining, workplace standards and enforcement mechanisms; further details and timelines will be published b
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Financial News
Public Investment Corporation takes 20.469% stake in Northam Platinum Holdings
The Public Investment Corporation SOC Limited has notified Northam Platinum Holdings Limited that it holds a 20.469% beneficial interest in Northam Platinum Holdings Limited's issued share capital. The company will file required notices with the Takeover Regulation Panel and the Companies and Intellectual Property Comm
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Financial News
Small rise in take-home pay in June, but faster inflation leaves households worse off
BankservAfrica data shows South African employees received a small increase in nominal net salaries in June 2026. Rising consumer price inflation outpaced wage gains, reducing real take-home pay to its weakest level in about two years and weighing on consumer spending and economic growth.
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Financial News
Stats SA restarts insolvency series; Q2 2026 cases fall to 320 from Q1
Statistics South Africa has resumed publishing insolvency statistics after a suspension since 2021 due to a data disruption at the Department of Justice and Constitutional Development. The June 2026 release shows 320 insolvencies in the second quarter, down 113 from Q1 2026, and 61 insolvencies in June 2026, a 56.1% ye
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Financial News
Pepkor to take 57% control of combined Flash–Shop2Shop fintech in R12.2bn deal
Pepkor will combine its Flash business with Shop2Shop to form a merchant commerce and financial technology platform (FintechCo) with annual throughput above R200 billion. Pepkor will acquire a 57.1% interest via a R1.57 billion cash subscription and contribution of Flash shares valued at R10.6 billion. The combined equ
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Financial News
World Bank inks US$1.5bn policy loan with South Africa to speed infrastructure fixes and jobs push
The National Treasury and the World Bank signed a development policy loan agreement of US$1.5 billion to support infrastructure modernization, economic recovery and job creation in South Africa. The funds aim to back reforms and investments to improve service delivery and private sector participation.
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Financial News
Kumba flags 30–35% first-half EBITDA drop on rains, Transnet shutdown and stronger rand
Kumba Iron Ore Limited reports production down 3% and sales down 1% for the six months to 30 June 2026 after heavy rainfall and a Transnet logistics maintenance shutdown. Earnings before interest, tax, depreciation and amortization (EBITDA) is expected at R10,433–R11,194 million, down 30–35%. Headline earnings are like
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Financial News
Stats SA’s July Mbalo Brief maps migration trends after protests, with signals for jobs and demand
Statistics South Africa published the July 2026 Mbalo Brief, offering data‑driven analysis of migration patterns within and into South Africa. The release follows widespread anti‑immigrant protests and marches on 30 June 2026 in major South African cities and aims to inform public debate with official statistics.
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Financial News
Nedbank’s partial bid for NCBA draws 79.9% acceptances, mixing new shares with KSh23.24bn cash
Nedbank Group Limited says its offer to acquire approximately 66% of NCBA Group plc closed on 10 July 2026 with indicative acceptances covering 1 316 357 895 NCBA shares (79.90% of shares). Nedbank will issue about 43 626 646 new Nedbank ordinary shares and pay c. Kenyan shillings 23.24 billion (c. South African rand 2
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Financial News
Sasol lifts output and deliveries in FY26, buoyed by stronger Q4 and higher liquid fuels sales
Sasol published business performance metrics for the year ended 30 June 2026. The group reports improved production and delivery largely within or above market guidance, stronger fourth-quarter performance, progress on strategic initiatives, higher liquid fuels sales and increased chemicals revenue in parts of the busi
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Financial News
GCR Ratings issues South Africa sovereign rating update
Global Credit Ratings South Africa (GCR) published a sovereign rating update for the Republic of South Africa, outlining its assessment of the country’s creditworthiness and factors affecting the rating, including fiscal position, economic growth, and governance. The update notes risks and areas monitored by the rating
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Financial News
Harmony reports fatal accident at TauTona service shaft; probe under way
Harmony Gold Mining Company Limited reports that an employee died following an incident at the TauTona service shaft near Carletonville on 19 July 2026. The Department of Mineral and Petroleum Resources and relevant stakeholders have been notified. Management is supporting the employee’s family and colleagues and says
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Financial News
Aspen wins Health Canada nod for generic semaglutide injection in type 2 diabetes
Aspen Pharmacare Holdings Limited says its subsidiary Aspen Pharmacare Canada Inc. has received Health Canada approval for Aspen-Semaglutide, a generic semaglutide injectable indicated to improve blood sugar control in adults with type 2 diabetes mellitus alongside diet and exercise. Commercial launch depends on availa
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Financial News
FSCA takes enforcement action against 80 Eight South Africa, formerly Ela Asset Management
The Financial Sector Conduct Authority has announced regulatory action against 80 Eight South Africa (Proprietary) Limited, formerly Ela Asset Management (Proprietary) Limited. The regulator details enforcement measures and reasons for intervention in a public statement dated 17 July 2026.
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Financial News
Eskom switches on Mafikeng Provincial Hospital microgrid to keep care running for about one million people
State-owned electricity utility Eskom has commissioned a renewable energy microgrid at Mafikeng Provincial Hospital in North West province. The project aims to secure power for healthcare services and improve resilience for about one million people in the hospital’s catchment area.
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Financial News
Eskom lifts plant availability to 65.46% and trims targeted power cuts to fewer customers
State power utility Eskom says its energy availability factor increased to 65.46%, up 6.52 percentage points year on year, and that planned load reductions have been lowered and now affect about 7% of customers. One additional province is declared free of load reduction, benefiting over one million customers.
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Financial News
PayInc highlights digital payments' benefits for South Africa's informal 'kasi' economy
PayInc, writing on BankservAfrica, argues South Africa's informal township or 'kasi' economy is large but underserved by national digital payment systems because those systems were not designed for informal trade. The piece says cash remains dominant, outlines barriers to digital adoption, and highlights potential bene
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